While I am just THRILLED that the gangsters called the Canadian Banks have finally started rolling out Pay, I am so disenchanted by RBC requiring one of their own crappy apps to authenticate, when I've heard of no other banks or CC companies, Amex in Canada included, needing such a ludicrous requirement! That has permanently crossed RBC off my list for good!
And what's worse, our credit unions have seemingly ZERO inclination to employ Pay, nor any of the big banks' subsidiary companies, at least not yet. It's always the same garbage with them up here!
I can understand the app requirement, actually. Better than what the US banks initially did, which was to open themselves up to social engineering and make AP even more fraud prone than swiping. Though they seem to be mostly using one time codes sent via SMS now and not an app.